Shopping Trupanion? Here’s an honest, side-by-side look at how RMO MyPet compares — on price, coverage, and where each one wins.
Trupanion figures referenced from public 2026 pages and vary by plan, state, and applicant. MyPet pricing requires an active RMO membership. Prices shown are starting rates; your final quote is provided upon completing an application.
| Feature | RMO MyPet | Trupanion |
|---|---|---|
| Starting premium | from $15/mo | Among the highest |
| Reimbursement | 80–100% | 90% |
| Annual limit | $5,000 to unlimited | Unlimited |
| Vet exam fees | Included | Not covered |
| Wellness / routine care | Included (III/IV) | Not offered |
| Dental & behavioral | Included (II+) | Add-ons |
| Deductible | $0–$250 | Per-condition |
Generally yes — Trupanion carries some of the highest sample premiums in the market, while MyPet starts at $15/month. Final pricing varies by pet.
No. Trupanion focuses on accident and illness only. MyPet III and IV include routine wellness care.
Trupanion uses a per-condition deductible; MyPet uses a simple annual deductible (as low as $0 on MyPet IV).
MyPet includes vet exam fees on every tier; Trupanion does not cover the exam fee.
